Job Title

Rating Analyst

Business Unit

Integrated Risk Management

Reporting To

Ratings Team Leader

Job Function and Role Type

Risk, Individual Contributor

Version No

2.0

Job Purpose

Conduct independent credit quality assessments of borrowers by assigning ratings per the Bank's internal model. Ensure ratings are accurate and updated using all available information.

Key Responsibilities

Actionable (4-6)

Credit Assessment; Independently assign ratings based on credit proposals, financial statements, projections, and business models; Assess risks, revenue models, and corporate structures, preparing rationales aligned with the Bank's rating scale.

Surveillance and Monitoring; Conduct regular surveillance of ratings; Review ratings based on company/industry developments and ensure timely updates through established frameworks.

Industry Analysis; Evaluate assigned industries/sectors, review reports, attend webinars, and stay updated on trends; Prepare presentations and assess portfolio-level rating movements.

Framework Management; Manage surveillance frameworks, review analyst feedback, and ensure timely rating actions; Present outcomes and key actions to senior management.

Other Responsibilities; Monitor portfolio stress indicators, recommend rating actions, and highlight risks; Prepare newsletters, respond to audits, and undertake additional assignments as required.

Education:

CA, CFA, or MBA from Tier 1 institutes.

Certifications:

CA,



CFA, MBA.

Key Competencies

Analytical skills, interpersonal communication, proficiency in Excel, understanding of banking products, ability to handle large volumes.

Major Stakeholders

Business Teams, Credit Approvers, Basel Team, Audit Team, CAD/Operations.

Skills

Refer to the Job Description

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 Rating Analyst (Gurugram)
🏢 HDFC Bank
📍 Gurugram